Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Yes Prosperity Rewards Plus Credit Card

  • We found 1 Yes Prosperity Rewards Plus Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    Reduced to 0 On spends of 10,000 within 90 days 499
    What you'll love
    Fee Details

    As the name suggests, YES Prosperity Rewards Plus Credit Card is an exceptional card that is designed to reward you every time you swipe your card. The credit card offers great discounts on dining, movies, and retails spends.

    YES Prosperity Rewards Plus Credit Card key highlights

    • Get 1,250 reward points on spending Rs.5,000 before 30 days from the date of card issuance.
    • Enjoy accelerated reward points on birthdays, dining bills, international and online spends.
    • Enjoy preferential interest rate on revolving credit.
    • Under YES Privileges, enjoy great offers on dining, travel, shopping, and wellness expenses in select cities.

    YES Prosperity Rewards Plus Credit Card lifestyle benefits

    • Earn 12,000 bonus reward points every anniversary year if your annual spends exceed Rs.3.6 lakh.
    • Earn 5 reward points on every Rs.100 spent on your birthday.
    • Earn 4 reward points on every Rs.100 spent to make international purchases.
    • Earn 3 reward points on every Rs.100 spent on dining or online shopping.
    • Earn 2 reward points on all retail spends made using the card.
    • Earn 100 reward points on making 4 transactions of Rs.500 or more in a billing cycle (Valid for the first 6 billing cycles only).

    YES Prosperity Rewards Plus Credit Card features and benefits

    • Fuel Surcharge waiver: Enjoy fuel surcharge waiver at all fuel outlets in India for transactions between Rs.400 to Rs.5,000.
    • Credit shield: Also, get credit shield in case of accidental death of the primary cardholder.
    • The Membership fee will be reversed on if total spends of the cardholder exceed Rs.10,000 within the first 3 months of card set up date or upgrade date.
    • TIf more than Rs.50,000 is spent in a year, the renewal fee of Rs.500 will be reversed.
    • Concierge services: Get 24x7 dedicated concierge assistance who will help you with hotel reservations, flight bookings, restaurant referral, movie tickets assistance, and flower and gift delivery.
    • Automobile assistance: Get 24x7 emergency automobile assistance with your YES Prosperity Rewards Plus Credit Card. You can use this service for emergency towing assistance or roadside repair.
    • Card Protection Plan: Safeguard your credit card with the Card Protection Plan. This feature protects you in case of loss of card, theft, or fraud.

    YES Prosperity Rewards Plus Credit Card fees and charges

    Type of Fee Amount
    Joining fees Rs. 499
    Annual fee Rs. 499
    Finance charges For YES Bank salary and savings account holders- 2.99% per month and 35.88% per annum. For Non-YES Bank cardholders: 3.22% per month and 38.64% annually.
    Cash advance charges 2.5% of the advance amount
    Over limit charges 2.5% of Over Limit Amount or Rs.500 (Whichever is higher)
    Add-on card fee Nil up to 3 cards
    Late payment fees Outstanding balance up to Rs.100- Nil From Rs.101 to Rs.500- Rs.100 From Rs.501to Rs.5,000- Rs.400 From Rs.5,001 to Rs.20,000- Rs.500 Above Rs.20,000- Rs.700
    Returned cheque Rs.350
    Foreign currency mark-up charge 3.40% on the transaction amount
    Duplicate statement request Rs.100 per statement
    Re-issue of lost or stolen card Rs.100

    Eligibility to apply for YES Prosperity Rewards Plus Credit Card

    To be eligible to get a YES Prosperity Rewards Plus Credit Card, you need to fulfill the following eligibility criteria:

    • You should be a minimum of 21 years.
    • You should not be over 60 years.
    • You should be a salaried individual or self-employed.
    • Your minimum net monthly salary should be Rs.25,000.
    • If you are self-employed, your Income Tax Return should be Rs.5 lakh or more.
    • Or, you should have a fixed deposit with YES Bank.

    Documents requited to apply for YES Prosperity Rewards Plus Credit Card

    Address proof Any one of the documents
    • Passport
    • Telephone bill
    • Electricity bill
    • Passport
    • Voter ID card
    • Ration card
    • Aadhaar card
    Identity Proof Any one of the documents
    • Passport
    • PAN Card
    • Ration Card
    • Aadhaar card
    • Voter’s ID card
    • Driving license
    Income proof (For salaried)
    • Recent pay slips
    • Last 6 months bank statements
    Income proof (For self-employed)
    • Recent ITR (Income Tax Returns)
    • Audited profit and loss statement
    • Balance sheet
    Other documents
    • Duly-filed application form
    • Passport size photographs

    Note: The above list is for reference only. YES Bank reserves the rights to ask you for additional documents if required. However, these are the general documents you will have to keep ready before you start filling the credit card application form.

    YES Prosperity Rewards Plus Credit Card FAQs

    1. I want assistance to book a flight ticket. How do I reach the YES Bank concierge desk What information should I keep handy?

      Please dial 1800119371 to reach the concierge desk. You will be asked to provide your full credit card number, your name, registered phone number, and your date of birth for verification purposes. You can also contact the YES bank’s credit card customer care department at 1800 103 1212.

    2. Is there a maximum limit for the fuel surcharge waiver offered by my card?

      Yes. The maximum fuel surcharge waiver in a billing cycle cannot exceed Rs.500.

    3. Will I be charged with a fee when I redeem the accumulated reward points available on my YES Prosperity Rewards Plus Credit Card?

      Yes. A reward redemption fee of Rs.100 will be levied when you redeem your reward points.

    4. How do I know about the discounts and offers available on my YES Prosperity Rewards Plus Credit card?

      Please visit YES Bank official website and click on “YES Privileges” to check out the latest discounts and offers your card offers.

    5. Is YES Prosperity Rewards Plus Credit Card a contactless card?

      Yes. This is a contactless card.

      

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